Call reports 2015
1ST COMMUNITY BANK — 2015
What 1ST COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 70,954,000 | 68,976,000 | 69,500,000 | 72,920,000 |
| Total loans | 46,393,000 | 46,058,000 | 45,941,000 | 44,757,000 |
| Allowance for loan losses | 363,000 | 378,000 | 393,000 | 384,000 |
| Securities available for sale | 13,274,000 | 14,731,000 | 14,906,000 | 14,814,000 |
| Securities held to maturity | 1,500,000 | 1,498,000 | 1,330,000 | 953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,697,000 | 59,831,000 | 60,105,000 | 63,547,000 |
| Interest-bearing deposits | 53,610,000 | 52,503,000 | 52,940,000 | 54,850,000 |
| Noninterest-bearing deposits | 8,087,000 | 7,328,000 | 7,165,000 | 8,697,000 |
| Equity capital | 6,076,000 | 5,954,000 | 6,194,000 | 6,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 594,000 | 1,182,000 | 1,770,000 | 2,348,000 |
| Interest expense | 111,000 | 215,000 | 320,000 | 423,000 |
| Net interest income | 483,000 | 967,000 | 1,450,000 | 1,925,000 |
| Noninterest income | 24,000 | 50,000 | 78,000 | 106,000 |
| Noninterest expense | 407,000 | 821,000 | 1,254,000 | 1,676,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 96,000 | 177,000 | 240,000 | 306,000 |
| Income tax | 0 | 1,000 | 2,000 | 3,000 |
| Net income | 96,000 | 176,000 | 238,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,078,000 | 6,158,000 | 6,220,000 | 6,285,000 |
| Total capital | 6,441,000 | 6,536,000 | 6,613,000 | 6,669,000 |
| Risk-weighted assets | 48,536,000 | 47,902,000 | 47,984,000 | 47,073,000 |